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3345009/10016299 (01/11) Personal Agreement

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3345009/10016299 (01/11) Personal Agreement Diners Club ® Corporate Card Cardmember Agreement Individual Bill – Cardmember Account Agreement 1. Definitions: Card means the Diners Club Card. Agreement means this Diners Club Cardmember Agreement as it may be amended from time to time. Organization means the business, association or government agency that authorized Diners Club to issue the Card and to open the account ( Card Account ) for the individual named on the Card. You means the individual named on the Card who is an employee of or affiliated with the Organization, and who has agreed to be bound by this Agreement. The words we , us , and our mean Bank of Montreal. Charges are all amounts charged to your Card for purchases of goods or services (including tickets) from establishments that accept the Card (whether or not you sign a charge form), annual fees, cash advances and transaction fees incurred through use of any cash advance program made available by us, late charges and other fees and charges described in this Agreement. 2. About This Agreement: This Agreement governs the use of your Card and the Card Account. You agree to be bound by the terms of this Agreement when you accept the Card by activating, signing, or using the Card or the Card Account. 3. Using Your Card: You may not use your Card before it is activated or after the expiration date printed on your Card. You may not let someone else use the Card issued to you. You may not resell or obtain a cash refund for any goods or services (including tickets) you purchase on the Card Account. You agree to return your Card to us or destroy it if we ask. We may deny authorization for any Charge you request. 4. Purpose of the Card and the Card Account: Charging and cash access privileges on the Card and the Card Account are provided by us pursuant to one or more contract(s) with your Organization and subject to this Agreement. The Card and the Card Account are to be used to charge purchases of goods and services or obtain cash solely for or incidental to the business of your Organization. Charging and cash access privileges will be automatically withdrawn upon termination of your employment or affiliation with your Organization or upon termination of the applicable contract between us and your Organization. We may at any time in our sole discretion impose a spending limit for purchases and other transactions on your Card Account. We will inform you if we impose such a limit, other than a spending limit which is imposed at the request of your Organization. In addition, we may at any time in our sole discretion impose a spending limit on purchases and other transactions on your Organization which may affect your ability to make purchases and engage in other transactions on your Card Account regardless of the outstanding balance on your Card Account. Your Organization may also request that we place spending limits on your Card Account. You should consult with your Organization to determine if any such limits apply to your Organization or to your Card Account. 5. Billing Statement: We will send you a billing statement describing the total amount you owe or other activity for every month in which there are outstanding charges or fees or there is activity on the Card Account. The billing statement is your bill. It is due and payable in full when it is delivered to the billing address. It is payable by draft, cheque, or money order in Canadian dollars at the address shown on the billing statement. Certain Charges maybe billed directly to your Organization and will appear on your billing statement as a memorandum item only. In the event these Charges are later billed to your Card Account, you agree to pay such Charges in full on receipt of the billing statement. 6. Payment: You are responsible for and agree to pay all Charges charged to your Card and Card Account and we will seek payment for all Charges from you regardless of whether you have been reimbursed by your Organization. In the event of termination of employment or affiliation, you agree that your Organization is authorized to make payment directly to us of funds due to you in reimbursement for business expenses charged to the Card and which you have not yet paid. You agree to pay us with a draft, cheque or money order payable in Canadian dollars, or at financial institutions or Automated Teller Machines that accept payment of Bank of Montreal accounts. Payments made at such financial institutions or Automated Teller Machines may incur a fee. If you pay us in any other form and we agree to accept it, your payment will not be credited to your Card Account until it is converted into one of the forms listed above. You agree to pay any costs we incur in converting your payment. Cheques drawn on banks located outside Canada may have collection costs and processing fees and you agree to reimburse us for these costs. 7. Cash Advance Transaction Fee: If you obtain a cash advance under our Emergency Cash Advance Program, the amount of the cash advance plus the cash advance fee of 4% of the amount of the transaction shall be charged to the Card Account. 8. Delinquency: Your Card Account shall be deemed delinquent unless we receive the amount shown on the monthly billing statement as balance due, less any disputed amounts, before the next billing date (approximately 30 days). Any unpaid portion of the balance due will be shown on subsequent statements as “past due balance”. If any portion of the past due balance appears on two consecutive billing statements (approximately 60 days past due) (such amounts “60 Day Arrears”) then, on the monthly statement evidencing such 60 Day Arrears, and on each monthly statement thereafter until payment in full of such 60 Day Arrears is received by us, you will be assessed a late charge in an amount equal to 2.5% (corresponding to an annual rate of 30%) of such past due balance. In addition, if you have any 60 Day Arrears, then in such circumstances, you shall also be assessed a monthly late charge calculated at the rate and in the manner set out above on all past due balances which are 30 days in arrears commencing on the monthly statement evidencing such 30 day arrears, until payment in full of your past due balance is received by us. Any late charges which are not paid by the subsequent billing date will be added to the past due balance and will be subject to the late fee. If your Card Account becomes delinquent, you will be in default of the Agreement and we may cancel or suspend your Card use. If you are in default, we can demand immediate payment of all amounts you owe us. Court costs plus reasonable solicitor’s fees (as allowed by law) may be added to any balance referred to a solicitor or agency for collection. 9. Annual Fee: You agree to pay an annual fee the amount of which will be shown on your billing statement and is non-refundable. 10. Returned Cheque Charge: If any cheque or similar payment instrument you send to us as payment is not honoured, we may assess you $17. If any personal cheque you cash at participating establishments under any of our cheque guarantee programs is not honoured by your financial institution, we will charge the Card Account the amount of the cheque and we may assess you $17. 11. Charges Made in a Foreign Currency: Any purchase of goods or services or any cash advance you make in a foreign currency will be charged to your Card Account in Canadian dollars after being converted using a MasterCard ®* conversion rate in effect on the day the transaction is posted to your Card Account. The MasterCard conversion rate is the rate we pay to MasterCard International Inc. plus a foreign currency fee. The rate may not be the same as the rate that was in effect on the transaction date. If a foreign currency purchase is refunded to your Card Account, the MasterCard conversion rate used to convert the refund to Canadian dollars is the rate we pay to MasterCard International Inc. minus the foreign currency fee. This rate may not be the same as the rate that was in effect on the date the transaction was refunded. For these reasons, the amount that is credited to your Card Account for a refund of a foreign currency transaction will in most cases be less than the original amount that charged to the Card Account for that transaction. Our foreign currency fee is 2% or such other amount as may be agreed to between us and your Organization (not to exceed 2%). For information about the exact foreign currency fee that applies to your Card Account, contact us at the telephone number provided in paragraph 20 below. 12. Acceptance of Irregular Payments and Waivers: We will not lose any of our rights under this Agreement if we accept late payments, partial payments or cheques and money orders with restrictive endorsements. Even if we do not enforce our rights under this Agreement, we will not lose them. 13. Suspension and Cancellation: You may cancel your Card Account at any time by writing to us at our address on your billing statement. We may suspend or cancel any or all of your Cardmember privileges at any time for any reason. You will surrender the Card upon request to your Organization or any authorized representative of Diners Club.
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